Guardian Life Insurance Claim was Denied

julia

10 years ago

Guardian life insurance claim was denied?

Many life insurers make a habit of denying life insurance claims without having all the facts they need to make an informed decision. If your Guardian life insurance claim was denied, contact us to get it paid. Over $100 million recovered for our clients. If you’re a victim of an unfair claim denial contact us to get your claim paid.

THE CENTER FOR LIFE INSURANCE DISPUTES

#1 firm in US for recovering denied life insurance claims.

We accept claims in all US states.

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Denied Life Insurance Claims – Getting Insurers to Pay

Our appeal efforts have recovered over $100 million for our clients from declined claims and we can do the same for you. As your representative we’ll protect your interests, not the insurers, and we’ll get your claim paid.

When you file a life insurance claim the insurance company doesn’t advise you to get a personal representative. They act for themselves — not the beneficiary. Their investigations look for reasons to deny claims. Some denials are justified… but many are not.

When a life insurance claim gets denied many people think their only option is to sue the insurance company. But a lawsuit shouldn’t be the first thing you do. The first thing to do is have your claim evaluated by an expert like us to determine if you can appeal the denial without a lawsuit. This will be faster and much less expensive than a lawsuit. If an Appeal isn’t successful then you can sue the insurer.

A life insurance Appeal starts with a new evaluation of all the facts surrounding the history of the insured, the application, medical records, arrest & driving records, accident reports and all other relevant evidence, by someone who knows what all of this evidence means. Rather than look for reasons to deny your claim, an appeal by your own representative will look for the reasons your claim should have been approved.

A proper appeal uses evidence to form the reasons why the claim should be paid. We find the evidence, we put it into a formal report and we work with the lawyers for the insurance company to get your claim overturned and paid.

Why Guardian Life Insurance Claims Get Denied

If your Guardian life insurance claim was denied, don’t worry. We have recovered denied life insurance claims from many major insurers. While the primary reason for a claim denial is that medical history was not disclosed on the application, over the years we have recovered claims where the denial was also due to inconclusive evidence, autopsy results, foreign death claims, blood alcohol tests, accidents, financial inaccuracies, policy lapse, and many other circumstances (read some of our posts).

If this is your first life insurance claim denial you will likely feel stunned when you receive the Denial Letter. We’re not. Considering that certain current laws favor the insurer to deny a life insurance claim, and most individuals are unaware of these laws, quick-decision denials are common in the industry.

After your life insurance claim is denied you can either accept the decision or you can aggressively pursue the money that is owed to you. We represent those who want to aggressively pursue their money. 30 years of experience. Over $100 million recovered. Great relationships with claim examiners. No legal fees.

Why Accidental Death Claims Get Denied

For Guardian life insurance policies covering accidental death and dismemberment benefits, an evaluation of the death certificate will be important. Accidental death claims are typically only payable if the death was the direct result of an accident. There cannot be any health issues contributing to the death. If it turns out that existing health issues contributed to an accidental death the Guardian life insurance claim will likely be denied.

Along the same line of reason, if an accidental death is the result of the insured’s blood alcohol exceeding the state’s legal limit, the Guardian life insurance claim will be denied. This is known as an exclusion to coverage and will be stated in the policy. Likewise, if the toxicology report indicates an illegal substance, the claim will be denied.

Again, after your life insurance claim is denied you can either accept the decision or you can aggressively pursue the money that is owed to you. We represent those who want to aggressively pursue their money.

How Do I Get My Guardian Life Insurance Claim Paid?

Our experts appeal denied life insurance claims with great success. We do our own investigation, review all documents, employ qualified experts, analyze records, write the appeal, and work with the insurer throughout the appeal process.

One must understand the underwriting process in order to understand the claims process. In many cases a life insurance claim was denied because the claim was not properly investigated. Important details aren’t known by the claims examiner when their decision is made. By ensuring that the facts surrounding a case are fully investigated and documented, the likelihood of getting your claim paid is maximized.

The Center for Life Insurance Disputes has over 30 years of focused experience in dealing with life insurance claims and a proven track record of recovering money for our clients. Don’t waste your time in a lawsuit. If you want your claim paid quickly, contact us now. We only get paid once the claim is paid.